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2024

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Best Homeowners Insurance Agencies in Davenport, IA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Davenport Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

63Reviewed

40Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

872 Tanglefoot Lane, Bettendorf, IA 52722

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Hastings Insurance Solutions LLC sells homeowners insurance policies to clients in the Davenport metro area. It offers information on the various kinds of coverage available in these plans and guides clients as they shop rates and select policies. Plans typically cover the replacement costs of structures and any valuable items such as clothing, jewelry, or art pieces inside of homes. Hastings Insurance Solutions LLC offers renters insurance policies too. Automobile and motorcycle insurance policies are available.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

4000 Avenue Of The Cities, Moline, IL 61265

Expertise.com Rating

Why choose this provider?

Vibrant Credit Union sells homeowners insurance near Davenport who need to protect themselves from possible financial loss. Its agents help homeowners to compare rates and purchase policies from available carriers. The agency provides quotes and explains the types of coverage that are available to clients who need to insure their dwellings, possessions, additional structures, and themselves against lawsuits. Vibrant Credit Union also insures several kinds of automobiles, motorcycles, and recreational vehicles, and it offers life insurance too.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

4010 38th Avenue, Moline, IL 61265

Expertise.com Rating

Review Sources

Google
4.4 (33)
Facebook
4.5 (8)

Why choose this provider?

Kerry Stoudt, State Farm Insurance Agent, has provided insurance services for over 30 years and assists clients who need to purchase homeowners insurance. Its founder and his team answer questions that clients have about policies and advise them on which policies can cover their biggest risks. Liability insurance plans are available to protect clients who have had others harmed on their properties. Kerry Stoudt, State Farm Insurance Agent, sells auto insurance as well.

  • Multiple Policy Types

3956 N Pine St, Davenport, IA 52806

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Independent Insurance Services, Inc., is an insurance agency in Davenport. Its home insurance generally covers properties from earthquakes, floods, hails, hurricanes, and other disasters. Properties may include the dwelling, other structures, personal belongings like furniture, or the loss of use. Other coverages that may be included in the policy are replacement cost and actual cash value. The agency also provides additional coverages that are optional, such as the building code upgrade or earthquake insurance.

  • Multiple Carriers
  • Multiple Policy Types

3218 East 35th Street Court, Davenport, IA 52807

Expertise.com Rating

Review Sources

Google
4.0 (13)
Yelp
2.5 (3)
Facebook
5.0 (2)

Why choose this provider?

Mel Foster Insurance has been providing insurance products and services to Iowa and Illinois locals since 1932. It offers homeowners' insurance policies to Davenport residents looking for insurance protection for their residential properties. Its homeowners' insurance policies provide coverage for the dwelling and other structures, personal property, loss of use, medical expense, family and personal liability, and scheduled personal property. Clients may request quotes via the agency website and an agent will get in touch with them to present customized coverage options.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

940 Lincoln Road, Bettendorf, IA 52722

Expertise.com Rating

Review Sources

Google
4.1 (30)
Facebook
4.8 (25)

Why choose this provider?

Nelson Brothers Agency has been in the insurance industry for more than three decades. This independent company is affiliated with reputable carriers that can help families and individuals in Davenport prepare for unforeseen circumstances that may put their homes and belongings at risk. The professionals at this firm guide clients in selecting a policy that best suits their needs, such as protection against vandalism or non-resident damages. Nelson Brothers Agency also carries insurance products for manufactured homes.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

2304 Jersey Ridge Road, Davenport, IA 52803

Expertise.com Rating

Review Sources

Google
4.9 (17)
Facebook
5.0 (4)

Why choose this provider?

Jorgensen Insurance Agency has been servicing clients in Davenport for more than 20 years. Its products include life insurance, health insurance, medicare plans, and homeowners' insurance. Its homeowners' policy covers the property, including personal items in the event of loss through theft or damage. It will also cover liability and medical expenses when someone claims to have been injured inside the said property. The insurance plan also includes living expenses incurred when the client has to live away while their house is being rebuilt.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Hastings Insurance Solutions LLC
872 Tanglefoot Lane, Bettendorf, IA 52722
Vibrant Credit Union
4000 Avenue Of The Cities, Moline, IL 61265
Kerry Stoudt - State Farm Insurance Agent
4010 38th Avenue, Moline, IL 61265
Independent Insurance Services, Inc.
3956 N Pine St, Davenport, IA 52806
melfosterinsurance.com
3218 East 35th Street Court, Davenport, IA 52807
Nelson Brothers Agency
940 Lincoln Road, Bettendorf, IA 52722
Jorgensen Insurance Agency
2304 Jersey Ridge Road, Davenport, IA 52803

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What do homeowners' insurance plans in Davenport cover?

    Dwelling coverage is typically included in Davenport homeowners' insurance policies, and it pays for all repair and replacement costs if the physical structure of the house is damaged by a covered hazard. Most policies also cover the homeowner's clothing, furniture, and appliances as personal property. Additionally, personal liability is covered by homeowners' insurance policies. This means that if someone is injured on the policyholder's property, the insurer will cover all medical and legal expenses.

  • How can one lower their homeowners' insurance premiums in Davenport?

    There are several options for obtaining a low-priced homeowners insurance policy in Davenport. If you are still looking for a house, consider one built within the last 12 years. The older the house, the higher the insurance rates. A reinforced roof can also help you save money on insurance because it reduces the likelihood of roof damage. Additionally, if possible, avoid filing any claims for at least three years. This is because filing a claim in recent years leads the insurer to believe that you are likely to file another one, possibly for similar reasons, in the future.

  • Do homeowners insurance plans in Davenport cover wind damage?

    Yes, homeowners' insurance in Davenport typically covers repair or replacement costs for your home if it is damaged by tornadoes or derechos. However, some policies may impose a separate deductible ranging from 1 to 5% for wind and hail damage. For example, if a policy provides $300,000 in dwelling coverage and a 2% deductible for wind damage claims, the policyholder must pay $6,000 out of pocket, with the insurer covering the rest.

  • How long does one have to file a homeowners' insurance claim in Davenport?

    In Davenport and other parts of Iowa, homeowners have five years to file a claim for compensation. This rule applies whether the damage was to physical or personal property. The time limit begins on the date of the event that caused the damage or on the date the damage was discovered. If this period expires, the policyholder may be barred from suing the insurance agency or company for payment.

  • Can a homeowner in Davenport insure their house that is unoccupied or being rented to another individual?

    Yes, it is possible but not with traditional homeowners plans. Standard homeowners insurance policies in Davenport generally do not provide coverage for houses that are unoccupied or are being put up for rent However, what the homeowner can do is purchase a specialty dwelling policy, which provides similar coverage to the usual homeowners insurance plans.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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